Download a printable checklist.

You cannot make changes outside of Annual Enrollment* unless you experience a qualifying life event. For more information about qualifying life events, see the Life events page.

*You can change your HSA contribution amount at any time throughout the year.

Contact the myHR Team at myhr.stryker.com or 877 795 2002.

For the medical plans: Stryker remains committed to providing competitive, high-quality medical coverage for you and your family. As we’ve seen in recent years, healthcare costs continue to rise globally. As a result, both your costs and Stryker’s contributions under most of our medical plans will increase in 2027. To help manage these rising costs, Stryker will continue to cover the majority of your medical benefit costs.

Part-time employees: Beginning in 2027, eligible part-time employees will pay the same rates as full-time employees.

In 2027, Stryker expects to continue to pay, on average, approximately 80% of the cost of medical benefits, or an estimated $13,462 per covered employee.

For supplemental health benefits: There will be a reduction in 2027 costs for supplemental health benefits — critical illness, accident and hospital indemnity insurance. These policies are designed to fulfill a variety of needs, including supplementing your existing medical coverage to give you additional financial support when the unexpected happens. For more information, visit totalrewardsvoluntarybenefits.com. Please note this site is specific to only the supplemental health plans.

For all other plans: There will be no change to your cost for other coverages, unless you change coverage or move into a new age or salary category for supplemental life.

Find 2027 costs in the 2027 Benefits at a Glance. You can also see your costs when you enroll for 2027 benefits.

The Internal Revenue Service (IRS) has increased the annual contribution limits for the Health Savings Account (HSA) and the Flexible Spending Accounts (FSAs).

*This limit may increase if the IRS announces a higher 2027 limit and it is administratively possible for Stryker to implement it before Annual Enrollment.

To learn more about the Day Care FSA, see "Big savings for busy caregivers with the Day Care FSA" below.

If you or a covered family member have special needs, finding the right care can sometimes be a challenge. Your medical plan is here to help.

With the Surest Advantage Plan, use the Surest app to find high quality care and understand costs. Plus, dedicated care coordinators are available to assist with navigating care options and provide ongoing guidance and support. To learn more, call Surest Member Services at 844 530 0139.

With all other UnitedHealthcare (UHC) medical plans, expanded support will be available starting in 2027 through the Special Needs Initiative.

• This free support program is similar to Surest’s resources and is designed for individuals with complex, chronic or rare medical conditions.
• Through this initiative, you or your family are assigned a dedicated advisor as your single point of contact to help navigate the complexities of medical insurance, claims, providers and school coordination.
• To learn more, call 800 387 7508 or the number on the back of your UHC ID card.

Effective January 1, 2027:

• Osteoporosis screenings will be covered at 100% in-network for women age 65 and older (and for high-risk women under age 65).
• Coverage for cervical cancer screenings will expand to include patient-collected cervical cancer screenings (including at-home test kits) for women age 30-65 at average risk.

Keep in mind that preventive screenings — such as annual physicals, well woman exams and cancer screenings like colonoscopies and mammograms — are free under any Stryker medical plan when you use in-network providers.

The new Bariatric Resource Services program supports eligible UHC and Surest plan members living with clinical obesity navigate treatment options at no additional cost. Members work with a bariatric specialist and nurse care manager to explore options like diet, exercise, lifestyle changes and surgery. Note that certain BMI and other requirements must be met in order to participate.

If surgery is the right option for you, you will be able to work with the Centers of Excellence (COE) network, which includes top doctors and facilities, to navigate your surgery.

Beginning January 1, 2027, you must participate in the Bariatric Resource Services program and get surgical care from a COE provider for your bariatric surgery to be covered under the medical plan. This requirement helps lower patient readmissions, reduce length of hospital stays and ensure successful outcomes. For more information, call the number on the back of your medical plan ID card.

Beginning January 1, 2027, vision plan members will receive retinal imaging covered at no cost when using in-network providers. Retinal imaging can be done at your annual eye exam and helps detect conditions like macular degeneration and glaucoma earlier, improving preventive care and treatment outcomes.

The Surest Advantage Plan through UHC was introduced January 1, 2026, and is designed to make healthcare easier. Surest gives you power over your healthcare experience by providing the coverage you’d expect from traditional health insurance, but with clear cost and coverage information, so you know upfront what’s covered and what you’ll pay.

• Compare costs before making an appointment. No deductibles. No coinsurance. Just clear, upfront prices.
• For office visits and many procedures, you see one price. By grouping these services — combining the labs and x-rays that go along with a medical procedure or test into one price — Surest makes it easier for you to know what you’ll pay in advance.
• Pay less when you use high-value providers with a high Care Rating. High-value providers deliver more effective care with fewer complications and better patient outcomes — while using resources efficiently. On the Surest app or website, you’ll see doctors with higher Care Ratings have lower copays.

To learn more, visit the pre-member site at surest.care/stryker and select 2027.

Important! Review 2027 copays:

Re-enrolling in the Surest Advantage Plan next year? Here’s what you need to know:

• Provider and facility copays are assessed annually based on the most recent effectiveness and cost efficiency data. This means that each year, copays may increase, decrease or stay the same.
• It’s important to review next year’s copays before you enroll for 2027 — especially for providers or facilities you plan to use next year. Visit surest.care/stryker to review 2027 copays.

Don’t forget! If your provider needs more information about Surest, point them to the provider contact information on the back of your Surest ID card.

If you’re already paying or plan to pay for day care or other dependent care in 2027, consider enrolling in the Day Care FSA to save money on taxes. Common eligible expenses include:

• Day care, preschool, before-school and after-school care programs, and summer day camps
• Babysitters and nannies (for work-related care)
• Backup or emergency child care
• Adult day care centers
• In-home care for an elderly parent or other qualifying dependent living with you
• Care for a spouse or dependent physically or mentally incapable of self-care

The Day Care FSA can be used to pay for eligible childcare and adult dependent care expenses, so you (and your spouse, if applicable) can work or look for work. You contribute to the Day Care FSA through deferrals from your paycheck before federal and state taxes (for many states) are taken out, which reduces what you pay in taxable income.

Keep in mind that you and your spouse must be working or looking for work in order to use the Day Care FSA. You can only change your Day Care FSA contribution during the year if you have a qualifying life event, so it’s important to plan carefully.

The Day Care FSA also gives you a 2.5-month grace period after the plan year ends to use eligible expenses. Any unused funds not claimed by the March 31 deadline will be forfeited.

Let’s look at an example to see how the Day Care FSA generates real savings.

Josie expects to spend $7,500 in eligible day care costs for her toddler in 2027, so she elects to contribute $7,500 to her 2027 Day Care FSA. Let’s assume a combined tax rate of 29% (22% federal income tax and 7.65% FICA tax) and see what Josie will save by using her Day Care FSA.

Because Josie’s Day Care FSA contributions come out pre-tax (similar to other health plan premiums), Josie avoids paying $2,223.75 in taxes.

If you’re enrolled in a Stryker medical plan, Included Health can provide:

• Remote second medical opinions from leading specialists
• 24/7 access to expert medical advice

If you’re enrolled in the UHC Value PPO or HSA Plans, Included Health also offers 24/7 assistance with*:

• Personalized cost estimates
• Finding high quality providers

The LGBTQ+ Health and Black Health programs can help you and your family access high quality, culturally inclusive care, regardless of if you’re enrolled in a Stryker medical plan.

Take advantage of this free support by visiting includedhealth.com/stryker or by calling 855 431 5551.

*For those enrolled in the Surest Advantage Plan, these services are available through Surest Member Services.

If you have forgotten your Stryker network password, contact the IT Service Desk.

Remember to:

• Use a compatible internet browser (the latest version of Google Chrome, Firefox, Microsoft Edge or Safari).
• Clear your browser cache. Open the settings in your internet browser and clear your history and website data. Then, close all browser windows and log in again.

If you need other help, contact the myHR Team at 877 795 2002.

Keep in mind, you cannot make changes outside of Annual Enrollment unless you experience a qualifying life event, so consider your options and confirm your selections carefully when you enroll. For more information about qualifying life events, visit the Summary Plan Description or contact the myHR Team.

Annual Enrollment is the perfect time to check and confirm your beneficiary information. Here’s how: 

Life insurance and critical illness

enroll.stryker.com

Look for the “Quick links” section on the home page. Then, click “Your Beneficiaries” and follow the prompts. Remember to click “Done” when you are finished.

401(k)

vanguard.com/retirementplans (plan number 090081)

Once you log in, click “My profile” to manage your beneficiaries.

HSA

optumbank.com

For more information, review your 2027 Annual Enrollment legal notices and disclosures, which include the following:

• Notice Regarding Wellness Program
• Notice of Your Right to Request a Special Election Opportunity
• Women’s Health and Cancer Rights Act of 1998 Notice
• Notice of Creditable Status of Your Prescription Drug Coverage
• Notice: Premium Assistance Under Medicaid and the Children’s Health Insurance Program (CHIP)